Podcasts about dondo

Preached at the Healing Jesus Campaign, Dondo, Angola, Day 2, 10th November 2024.

Preached at the Healing Jesus Campaign, Dondo, Angola, Day 1, 9th December 2024.

Preached at the Healing Jesus Pastors' Conference, Dondo, Day 2, 10th November 2024.

Preached at the Healing Jesus Campaign, Dondo, Angola, Day 1, 9th December 2024.

Preached at the Healing Jesus Pastors' Conference, Dondo, Day 2, 10th November 2024.

Preached at the Healing Jesus Campaign, Dondo, Angola, Day 2, 10th November 2024.

Finance Minister Enoch Godongwana has acknowledged the resignation of Dondo Mogajane as chairperson and trustee of the Government Employees Pension Fund amid allegations of bribery linked to the VBS Mutual Bank collapse. Mogajane, the former Treasury Director-General, faces accusations from former VBS Mutual Bank chairperson Tshifhiwa Matodzi, who claims to have paid him a R1 million bribe. Mogajane has vehemently denied any wrongdoing. For reaction, Elvis Presslin spoke to Renate Pieterse, Network coordinator for the public industry at Solidarity

See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Tim Cohen, Daily Maverick Editor at Large about the fallout from VBS allegations and analyzing Dondo Mogajane's sudden departure from GEPF and Moti Group.See omnystudio.com/listener for privacy information.

EXECUTING THE KINGDOM AGENDA THROUGH PRAYER - Dondo Iorlamen (OCTOBER 27, 2024)

Dewald Van Rensburg, an investigator at the AmaBhungane Centre for Investigative Journalism, joins John Maytham on the Afternoon Drive show to share his insights on the Dondo Mogojane and VBS  saga. Dewald has been at the forefront of uncovering the intricate details of this saga.See omnystudio.com/listener for privacy information.

A daily update on what's happening in the Rocket Pool community on Discord, Twitter, Reddit, and the DAO forum. Today's episode covers: tokenomics discussion in community call, Smart Node v2 ready for beta release, and RP stakers to get Omni airdrop? 0:00 - Welcome 0:32 - Community call https://www.youtube.com/watch?v=lmdhm18AZdk https://discord.com/channels/405159462932971535/1070004025610739883/1227814310315556885 8:28 - Smart Node V2 coming soon? https://discord.com/channels/405159462932971535/405163713063288832/1227737493525368974 https://discord.com/channels/405159462932971535/405163713063288832/1227988991769444404 11:44 - Omni airdrop to RP stakershttps://x.com/econoar/status/1778464780455657839 https://news.omni.network/the-omni-genesis-airdrop/ https://discord.com/channels/405159462932971535/915707693505863700/1228025913149489203 15:05 - Rewards night https://etherscan.io/tx/0xf784b1a0e2fb91242ada63fcd31e7812e19aaa7e27cb849a29d1674374a4c6f9 https://discord.com/channels/405159462932971535/894377758489210930/1227901161391132782 16:30 - Smoothing pool starts the month right https://discord.com/channels/405159462932971535/405163713063288832/1228027314227511337 18:09 - Client release https://github.com/hyperledger/besu/releases 18:36 - EIP-3074 in Pectra https://twitter.com/lightclients/status/1778434427925692493 20:17 - Staking rewards summit https://www.stakingrewards.com/summit 20:39 - EigenLayer roasting https://www.blog.eigenlayer.xyz/avs-launch/ https://discord.com/channels/405159462932971535/405163713063288832/1227701417868001391 24:48 - Dondo's Rocket Pool song https://discord.com/channels/405159462932971535/405163713063288832/1227851558377750559 https://www.udio.com/songs/qM619UQK7p1i4seTtThS2R https://discord.com/channels/405159462932971535/405163713063288832/1228037987523231774

A daily update on what's happening in the Rocket Pool community on Discord, Twitter, Reddit, and the DAO forum. Today's episode covers: tokenomics criticisms presented to the community, numerous governance updates, smartnode v2 ready for public beta, and more news than any episode ever before! 0:00 - Welcome 0:45 - Criticism of Tokenomics plans https://dao.rocketpool.net/t/nodeset-review-of-rpl-tokenomics/2869/1 https://discord.com/channels/405159462932971535/405163713063288832/1222271963930558597 https://docs.google.com/spreadsheets/u/0/d/1E40qsIfuMol3w3AEJmfALI2LcO5j2wEZTZtjfrvxUqU/htmlview#gid=0 https://hackmd.io/@rocknet/BkbhHe6TT https://dao.rocketpool.net/t/2024-tokenomics-rework-drafts/2847/7?u=rocknet https://discord.com/channels/405159462932971535/405163713063288832/1222321053582229614 https://discord.com/channels/405159462932971535/405163713063288832/1222321750717632512 52:54 - Bi-weekly update https://discord.com/channels/405159462932971535/405163979141545995/1222574228977745971 https://discord.com/channels/405159462932971535/1070004025610739883/1222734329646415922 https://www.youtube.com/watch?v=gdQmgAJJCO4 56:45 - Governance digest https://discord.com/channels/405159462932971535/774497904559783947/1222198380881776750 https://dao.rocketpool.net/t/2024-tokenomics-rework-drafts/2847/11 https://discord.com/channels/405159462932971535/405163713063288832/1222197941348077731 1:01:18 - Smart Node v2 tidbits https://discord.com/channels/405159462932971535/405163713063288832/1222785311730434149  https://discord.com/channels/405159462932971535/405163713063288832/1219908460309774456 1:02:41 - GMC stuff https://dao.rocketpool.net/t/ssv-integration/2858 https://dao.rocketpool.net/t/looking-for-content-creators-for-the-rp-scorecard/2859 1:04:08 - Client updates https://github.com/ConsenSys/teku/releases https://github.com/sigp/lighthouse/releases/tag/v5.1.3 1:04:41 - New nimbus update raises questions https://github.com/status-im/nimbus-eth2/releases/tag/v24.3.0 https://discord.com/channels/405159462932971535/405163713063288832/1223173997005373502 https://discord.com/channels/405159462932971535/405163713063288832/1223181443547660359 https://discord.com/channels/405159462932971535/405163713063288832/1223181963087712358 https://discord.com/channels/405159462932971535/405163713063288832/1221967414359756881  1:08:31 - Do we need RPL liquidity?  1:09:22 - RP growth reversing https://discord.com/channels/405159462932971535/405163713063288832/1221729013727363072  1:11:30 - Notional launches https://x.com/NotionalFinance/status/1772294263478378742?s=20  1:13:19 - Scams everywhere   1:15:03 - Amsterdam meet up https://discord.com/channels/405159462932971535/1040445327360139284/1223259944548303059  1:16:30 - JT becomes a RP NO 1:17:36 - Lido CSM Architecture https://hackmd.io/@lido/rJMcGj0Ap https://discord.com/channels/405159462932971535/1221722728537653249/1221794550897573960  1:22:39 - EtherFi moves closer to overtaking RP  https://x.com/MikeSilagadze/status/1773317855691292749?s=20 https://defillama.com/chain/Ethereum  1:24:52 - Missing ethereum blocks  1:26:34 - ETH ETF talk https://twitter.com/craigsalm/status/1772360837094691302 https://x.com/nategeraci/status/1772373519722057995 https://twitter.com/JSeyff/status/1772997491966820656 https://twitter.com/BitwiseInvest/status/1773427635919458551  1:31:14 - SBF gets 25 years  1:32:12 - Judge allows case against coinbase to continuehttps://x.com/tier10k/status/1772982106668294193?s=46 https://x.com/iampaulgrewal/status/1772993916146479193  1:34:40 - What will inactivity leak look like under MaxEB? https://lighthouse-blog.sigmaprime.io/maxeb-inactivity-leak.html  1:35:01 - ENS integrated into google   1:35:52 - New Vitalik articles https://vitalik.eth.limo/general/2024/03/28/blobs.html https://vitalik.eth.limo/general/2024/03/29/memecoins.html  1:36:46 - Congrats to Dondo 

[29:52] Monthly ad hoc on-line group & invited guests toast Toastmasters then reads articles from Toastmaster Magazine aloud then has in-depth discussion them

Na cerimónia de abertura do ano lectivo de 2024, no distrito de Dondo, na província de Sofala, o Presidente Filipe Nyusi pediu "ponderação e diálogo" aos professores. Estas declarações acontecem numa altura em que as manifestações de professores se multiplicam, a classe docente reclama o pagamento de horas extraordinárias e melhores condições de trabalho. No seu discurso, Filipe Nyusi lembrou que em Moçambique "a educação é um direito de todos", apesar de ainda existir uma taxa de analfabetismo de 38%, dois em cada cinco moçambicanos não sabem ler nem escrever. Em resposta ao ciclo de marchas pacíficas iniciadas esta semana por um grupo de professores que exigem melhores condições de trabalho, o pagamento das horas extras e o descongelamento das promoções e progressões de carreira, Filipe Nyusi disse estar consciente das dificuldades dos professores e apelou à ponderação e ao diálogo laboral para evitar a paralisação das aulas. "Gostaria de pedir, mais uma vez, a sua maior ponderação. Em momentos difíceis e emocionais há que sempre optar pelo diálogo laboral, temos de fazer valer a nossa posição profissional, de educadores e com capacidades de falar, sem que esta postura que estou a sugerir signifique permitir injustiças no seio dos professores", afirmou.O porta-voz da associação dos Professores Unidos de Moçambique (PUM), Avatar Cuambe, garante que os professores "estão abertos ao diálogo com o governo com vista a abrir um espaço de negociação". A classe docente apresentou um caderno reivindicativo com 27 pontos de reivindicação e nunca obtiveram resposta por parte do executivo. "O governo não respondeu ao nosso caderno, apenas criaram uma plataforma conjunta para o diálogo. Exigimos o pagamento das horas extraordinárias, mas o governo diz-nos que não tem informação para garantir quando seriam pagas essas horas extras. Falta transparência na passagem de informação", aponta o porta-voz da associação dos Professores Unidos de Moçambique.Os professores exigem a redução do número de alunos por cada turma para melhorar a qualidade de ensino. A lei estipula que as turmas não tenham mais de 50 alunos, mas a realidade é diferente, alerta o porta-voz dos professores: "Nenhuma escola respeita esta lei, todas as turmas têm mais de 50 anos - o que torna tudo muito difícil. Isso destrói o nosso país. Está na hora de organizar o nosso país e a melhor forma é organizar a partir da educação", defende o porta-voz da PUM.O governo moçambicano prevê que cerca de cem escolas destruídas ou encerradas por falta de segurança possam voltar a abrir este ano lectivo em Cabo Delgado. "Se estamos num país fustigado por ataques terroristas, não entendo qual é essa segurança. Ela não existe", defende Avatar Cuambe.O porta-voz do Ministério da Educação e Desenvolvimento Humano, Manuel Simbine, garante haver condições para o arranque do novo ano lectivo: "Está tudo a postos. Tínhamos a meta de matricular um pouco mais de 1.6 milhões de crianças, além de alocar professores para assegurar o sistema. Este ano, vamos contratar mais de 2800 professores que se juntam aos 140.000 professores".Manuel Simbine lembra que o desafio deste ano lectivo vai ser reduzir o número de alunos por turma e garantir que nenhuma criança fique fora do sistema de ensino. "O desafio que temos é reduzir o rácio do professor aluno ao nível do sistema educativo, mas ainda estamos longe de atingir este objectivo porque temos turmas com mais de 60 e 70 alunos. Deveríamos contratar cerca de 12.000 professores. Este ano, vamos contratar 3.000 pessoas e vamos continuar a ter um défice que ronda entre 8.000 e 10.000 professores. Queremos garantir que nenhuma criança fique de fora", concluiu.

Darrin chats with LA punk legend Dez Cadena (Black Flag, The Misfits, Dondo). The post Dez Cadena (Black Flag, The Misfits, Dondo). appeared first on idobi.

Programa de radio realizado por la Unión de Padres del Colegio Carmen Arriola de Marín. Invitados: Ignacio Yorio, Tobias Keenan y Nico Inchauspe (alumnos del Colegio San Juan el Precursor) y los profesores Felipe Dondo y Pablo Medina.

In this episode, Rik Collins talks to Dez Cadena musician from Black Flag, Misfits, The Mysteries, Dondo and more. Dez shares some great stories. Some never heard before. Please support the podcast by joining our Patreon patreon.com/ChatteredwithRikCollins Bonus content for members will include video of the Jam Rik and Dez had after this Pod Cast with some other surprise musicians. web site: www.chatteredpodcast.com

09 EUGENIA GONZALEZ (TIRO CON ARCO) Medalla de oro en Tiro con Arco Compuesto por equipos mixto y 4º en Arco Compuesto individual en Parapanamericanos de Lima (2019) PRODUCCION: M. Rados, L. Donia, J. Dondo, L. Valeff y A. Pereira LOCUCION: N. Santos y N. Cuadrado. GRABACION DE VOCES: L. Pozo, S. Espinosa y N. Cuadrado. EDICION Y MEZCLA: N. Ciancaglini. TEXTO: C. Arasaki. PRODUCCION GENERAL: M. Spinelli, S. Cardano y L. Botto. Carga digital para plataformas: Mondo Gasparotto.

Welcome to another episode of The DodgeCast! Join us as we welcome first time guest Daradondo Owens and we discuss sports, sports, and more sports! We also discuss Dondo's career in IT, supporting Anadarko businesses, AI, Covid, and so much more!

Thank you for listening to me

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Tom and Robert enjoy each others company at the latest SLPSA match while Jared teaches another class and Steve drops a mag and then the proverbial ball at the IDPA. We hit on Dot Training, Steel Challenge and DNROI questions. Also we learn how to pronounce Arredondo!       Show Sponsors: https://runetactical.com/ https://dominatedefense.com/ https://precisionholsters.com/ https://www.instagram.com/waypointtraining/ https://w74guiderods.com/ Youtube Channel: https://www.youtube.com/@paracastfirearmspodcast905 Telegram: https://t.me/paracastpodcast Patreon: patreon.com/user?u=16370931

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Guest: Dondo Mogajane | CEO of Moti Group and Former DG of National TreasurySee omnystudio.com/listener for privacy information.

Visto che non parliamo così spesso di cinema (ma nemmeno di fotografia, se è per questo), in questa puntata abbiamo proprio deciso di parlare di musica…ah no. Oltre a ripercorrere l'anno 2019 tra canzoni di successo, eventi e fotocamere interessanti, l'episodio è caratterizzato da un lungo approfondimento firmato Luca Dondossola e dedicato alla nuova serie “The Last of Us”, approdata da poco su Sky. Spazio anche a Babylon e ai Golden Globe, oltre a delle rubriche piuttosto interessanti. A sto giro abbiamo fatto i seri veramente, pazzesco!

Rhet Fiskness teaches as an adjunct professor of architecture at North Dakota State University, serves the community as a board member for a non-profit housing developer, and is a board member at Burning Hearts Church. He is also the founder and principal of RHET Architecture. He is passionate about architecture and eagerly participates in design competitions, regularly completes Minnesota Design Team community visits, and provides pro-bono architectural services to University of the Nations; Calabar, Nigeria; Children's Relief Orphanage in Dondo, Mozambique; and Fargo-Moorhead Churches United for the Homeless. His favorite project to date is the St. Thomas Aquinas Newman Center Choir Loft, which won an AIA ND Design Award. Prior to receiving a Bachelor of Architecture degree from North Dakota State University, Rhet studied Modem Nordic Architecture at the University of Oulu, Finland.

Can we get a yurrrrr !!?? On this episode of The Big Steppa Podcast the guys welcome 1/2 (2/4) of the 4OurBrothers podcast Frsco and Twan , s/o Baldy & Dondo who couldn't make it . Live show December 30th @ city winery folks!!! But the guys talked about their podcast and how they got started, talked Takeoff's death, Kyrie Irving , Kanye west and even touched on an important subject of men suffering in silence and mental health . Make sure y'all grab them tickets asap for the live show ! Link below !https://citywinery.com/philadelphia/Online/mapSelect.asp?doWork%3A%3AWSmap%3A%3AloadMap=Load&createBO%3A%3AWSmap=1&BOparam%3A%3AWSmap%3A%3AloadMap%3A%3Aperformance_ids=38538604-231E-4F44-BD74-100210D2CB6F

REACHING THE UNREACHED PEOPLE GROUPS : Bro. DONDO IORLAMEN

The doyen of broadcasting is back and making waves in his new slot on Vision View Sports Radio. The Tim Modise Connection Live Podcast brings you current affairs on the most topical issues in South Africa and the Continent. He will be in conversation with the most influential newsmakers of our times.

Apriamo con la cronaca. Le forze dell'ordine da ieri pomeriggio sono impegnate nella ricerca di un disperso. Si tratta di Francesco Di Giovanni, un militare della Guardia di Finanza di Napoli di cui si sono prese le tracce da due giorni. La sua macchina è stata trovata alla stazione di Montepescali, nel comune di Grosseto, da dove, secondo le immagini delle telecamere di videosorveglianza, si sarebbe allontanato a piedi. Le ricerche, che come dicevamo sono in corso da ieri, si stanno concentrando sulla zona tra Braccagni e Montepescali, anche con l'ausilio dell'elicottero dei vigili del fuoco. Al momento, quindi a mezzogiorno di oggi 29 aprile, non è stato ancora ritrovato.Adesso torniamo a parlare di “Dondo” il cinghiale di Ravi, una vicenda che tiene banco da ormai una settimana. Dopo l'ordinanza del sindaco di Gavorrano, Andrea Biondi, che vieta di dare da mangiare all'animale selvatico, questa mattina è intervenuto anche il responsabile nazionale della fauna selvatica della confederazione italiana liberi agricoltori, Andrea Busetto Vicari, che chiede che il cinghiale venga catturato e abbattuto. Nella giornata di ieri abbiamo ascoltato anche gli abitanti del paese minerario. Sentiamo come vivono loro la vicinanza con Dondo. Adesso gli ultimi aggiornamenti sul coronavirus. I nuovi casi positivi in Toscana sono 3.639 su oltre 20mila tamponi. Il tasso dei nuovi positivi è del 16,09%.Secondo i dati della Regione oggi in provincia di Grosseto i nuovi casi sono 197. In chiusura vi segnaliamo una nuova “Chicca di Maremma”, il podcast de IlGiunco.net sulle storie e tradizioni della nostra terra. La nuova puntata, che trovate sul nostro sito, ci racconta i Canti del maggio, una tradizione intramontabile. Ascoltiamo insieme un estratto.

Apriamo con una notizia curiosa che è accaduta a Ravi nel comune di Gavorrano e dove l'ormai famoso cinghiale Dondo ha fatto pace con chi lo aveva schiaffeggiato la scorsa settimana. È bastata mezza mela per far tornare l'armonia tra uomo e animale.Nella giornata di ieri il cinghiale, che è ormai la mascotte del paese, si è av-vicinato alla casa dell'anziano che, solo qualche giorno fa, spaventato dal suo avvicinarsi, gli aveva dato un sberla sul muso. Invece è bastato offrirgli una mela in segno di pace che Dondo il cinghiale ha accettato ben volentieri.Torniamo a Grosseto dove nella giornata di ieri si sono svolte le celebrazioni della Festa di Liberazione. Un lungo corteo, con in testa i sindaci, il presidente della Provincia, l'Anpi e guidato dalla banda che ha intonato Bella Ciao, ha attraversato le vie della città: Dal monumento ai caduti nel parco della Rimembranza, alla lapide ai caduti all'interno della Provincia di Grosseto e infine il ritrovo in piazza, con il partigiano Nello Bracalari, e il discorso del presidente della Provincia Francesco Limatola, il presidente provinciale dell'Anpi Luciano Calì, e il giovane Francesco Bellumori, componente del Parlamento regionale degli studenti.Non solo a Grosseto, ma anche in tutti gli altri comuni della Maremma è stata celebrata la 77esima festa della liberazione. Per l'occasione anche ilGiunco.net ha realizzato un podcast dedicato alla vita di Nello Bracalari, partigiano maremmano di 94 anni. Ascoltiamo insieme un breve estrato.In chiusura gli ultimi aggiornamenti sul coronavirus. I nuovi casi positivi in Toscana sono 1.203 su oltre 8mila tamponi. Il tasso dei nuovi positivi è del 14,82%.Secondo i dati della Regione oggi in provincia di Grosseto i nuovi casi sono 79.

National Treasury director-general, Dondo Mogajane is leaving the department after 23 years of service. Finance Minister Enoch Godongwana says Mogajane has decided not to extend his contract which expires in June this year. Instead, he will pursue new opportunities outside of the public sector. Jon Gericke caught up with Mr. Mogajane...

Clement speaks to Dondo Mogajane, the Director-General at National Treasury in a wide-ranging interview about his 23 years at treasury, the country's fiscal position and government's position on procurement.  See omnystudio.com/listener for privacy information.

In this episode, we spoke with Comfort Dondo, the Founding Executive Director of Phumulani Minnesota African Women Against Violence, and author of the recently published book "Facing the Giants: A Journey to Freedom from Domestic Abuse," and we really zoom in on the idea of culturally specific solutions. This is a huge focus in the world of gender based violence, because providing services through a cultural lens, for diverse groups, can be complicated. Take for example working with immigrant populations. Migrants can be an especially vulnerable group for many reasons, from residency status to culture shock. We need numerous strategies to combat gender-based violence, as no one strategy works for everyone. These are complex societal issues that require comprehensive solutions that are flexible and affirming in holistic ways.

We recorded this back when there wasn't any sight of our girl, but now there is, so here you go! Join me and AL as we track where she's come from and where she's going. Vote Armor! 

Welcome to another episode of Health Unwrapped and today I'm talking with Scola Dondo - YouTuber, TV Presenter, and Personal Trainer about the challenges she has overcome having been sharing her story online since she was 11.  What we discussed: The rollercoaster of emotions during the lockdown.How she found the toughest thing to be the lack of social interactions - which surprised her as she has always worked from home.How much she missed working in a coffee shop, work events and really missed being around people. How her FOMO changed from before lockdown. How she has been spending more time focusing on her mind - although she does still spend more time on her physical wellbeing How she makes a point of journaling and how listening to really positive things have helped herHow her workouts have 90% been more for her mental health during the lockdown. The different benefits of low and high-intensity mind workouts. Her diagnosis of Hyperthyroidism in her early 20's and it's impact on her life. How talking about it on her socials how her followers have related to her experienceHow Scola set up her YouTube at aged 11. How she reacts to comments about her changing appearance. How social media has changed. How she deals with negative comments on her appearance. How her physical and mental health routines as well as research have helped her with her Hyperthyroidism and listening to her body with research and listening to her body.How she has a better understanding of what exercise works for her how certain foods make her feel worse and how others make her feel amazing.  SOCIAL:Scola DondoBioglan on Twitter Bioglan on Facebook Bioglan on Instagram Full product details can be found via our website 

“Healthy conflict is good. Collegiality doesn't necessarily breed collaboration.” Sherry Dondo Have you ever worked in a company where the CEO determined that the culture needed to shift in a particular direction - to become more innovative, or assertive, for example? What's the best way to support the leaders of the organization in making this shift? Listen to this episode for some highly practical ideas and examples. My guest is Sherry Dondo, who is the CHRO of a Canadian bank. She has over 20 years' experience as a senior executive in leading HR and Talent Management and is also a certified, practicing executive coach on the side! Sherry's perspective on conflict is refreshing and she shares it in our conversation - including her candid reflection on how her own approach to conflict has evolved over the years. In this episode of Talent Management Truths, you'll discover: Why healthy conflict is important to driving innovation How leading with a point of view vs. focusing on pleasing everyone is a critical differentiator for Talent and HR leaders The importance of taking a design thinking approach to how you develop and roll out your programs About Sherry Dondo: Sherry is an active HR executive and professional coach with significant global cross-industry, executive leadership experience that she draws upon to help senior leaders be bold, think big, and step into the change they are imagining for themselves, their organization, and their business. She helps leaders create an authentic and inclusive culture - where leaders bring their best self to work every day. Links You [Reframed] Group Coaching Experience: https://www.greenappleconsulting.ca/you-reframed-coaching Stay Connected Like what you've heard? Click here to subscribe in iTunes for more episodes to inspire you in your work facilitating the growth and potential of others! You'll hear about strategies and tools, successes and failures from other Talent leaders working the field today, just like you. I would be extremely grateful if you left a review on iTunes so that others can find the show and elevate their impact too! Just click here to review, select “Ratings and Reviews” and “Write a Review. ” Thank you! Follow me LinkedIn: https://www.linkedin.com/in/lisa-mitchell-acc-ctdp-7437636/ Instagram: @greenappleconsulting Facebook: https://www.facebook.com/greenappleconsulting.ca FREE Intentional Influencing Assessment https://www.greenappleconsulting.ca/influencing-assessment-1

NBA back and NFL is wild. CLB vs. DONDO talk. Kanye and Kyrie may be related lol. RIP to a legend and deep insight on how to get out of the frustrating moments of life aka a rut. Can't miss this! 

The ism is heavy! Diego and M.O. are back another week live from The Playas Club to drop their unique blend of gems on everything under the sun. This week they discuss when Redman get his flowers, prayers for the homie Dondo, Diego finally get the pool fixed, why some people can't get them a suitable mate and so much more!!! Leave us voice comments in the comments section, call the hotline at (916) 538-4190 to leave text messages and voicemails or hit us up by email at wesomeplayas@outlook.com Shoutout to our sponsors Jack The Spiritual advisor, for card readings text (405) 437-1550, Blue Gloves LLC for commercial and residential cleaning call (616) 752-0289 Subscribe to the show, rate our show with five stars and review the show as well. It really helps us out with the algorithm and sponsors #WeSomePlayas #WSP #DubDollaSignP #PlayasClubAlumni #AudioDopeKingpins #SilverSurferWave --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/wesomeplayas/message

NEW NAME! NEW VOICE! Al first met me saying that he was an unrepentant New X-Men stan, and you can really feel the passion he has for that team in this episode. We chat about the breakup of the team,  the things we think they can do, the rosters we'd cape for, and...of course, Shark Girl! Get your fill!

We open episode 11 with convo on prayers for education, NFL back, RIP Michael K. Williams, DONDO vs. CLB and more! Also, we focus on MOTIVATION & TRANSLATION! How do you take motivation and translate it to manifestation?!?! LOCK IN! #ForTheCulture

En este episodio de RCN Digital hablamos con Jesús Márquez, uno de los fundadores de Dondo, una app creada en Colombia y que ayuda a que las personas de a pie puedan vender sus objetos en línea con mayor facilidad y cuyo crecimiento llamó la atención de los cofundadores de Zoom y Yahoo. También hablamos con Dalia de Paz, periodista experta en tecnología, para que nos explicara el porqué de la "pelea" entre Facebook y Apple la última semana. Esto y más en este episodio de RCN Digital.

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Cargamos raises a $4M funding round for logistics, Ep 31 In this week’s Espresso we cover investment updates from Cargamos and Dondo, as well as a new partnership between dLocal and Dinie.   Outline of this episode:  [0:27] - New dLocal partnership [0:52] - Cargamos’ funding round [1:16] - Dondo’s seed round [2:04] - Featured articles of the week   Resources & people mentioned:   Startups: Cargamos, Dinie, dLocal, Dondo VC funds: Magma Partners, Mountain Nazca, FEMSA Ventures Featured articles: 4 digital payment trends to look out for in 2021 Legal Structures for Latin American Startups Mexico is the new China: How cross-border trade has changed between the US and Mexico The voice revolution: how companies can adapt their CX strategy

Estado de calamidade entra em vigor na Guiné-Bissau, esta quarta-feira (09.09). Em Moçambique, Tribunal do Dondo condenou antigo deputado da RENAMO a pena suspensa de cinco anos de prisão. Na Etiópia, região do Tigray desafia governo central e vai às urnas.

RENAMO critica novo estado de emergência em Moçambique. Professores forçados a abandonar Cabo Delgado por causa dos ataques pedem mais apoio do Estado. Na Zambézia, postos de saúde estão a vender concracetivos de distribuição gratuita.

  Hey There! Don: Do you remember your very first job? My very first job as a dishwasher was not that glorious. I have both wonderful and brutal memories of it. It's interesting if we look at scriptures in Genesis, the very first job that we, as humans had collectively, were gardeners. We took care of the trees, we watched the animals. There's something about our early connection in and around a garden with trees. There's something about the nature of how trees grow, what nourishes them. What does it mean to cultivate something in an organic and beautiful, healthy way? Trees are both wild and fruitful. And yet there's a way that we are to be in relationship with those wild and fruitful things. The first house that I owned, I lived in the East Valley, and I was pretty excited to be a homeowner, and the front yard had horrible non-landscaping. I talked to a friend of mine who picked out a tree for me, put some grass down, and gave me instructions. Dig a nice deep well around this tree and water it every seven to 10 days. As I began to dig this well, the soil was really hard and really exhausting. So I gave up pretty quickly and decided I would water it a little more often. And so about a year later, he came back over to my house and looked over at the tree. I was pretty happy with the tree. It had grown! It had gotten established, and he took me over to, and he goes, Wooster, what have you done to this tree? And I told him, "Dan, I've taken good care of the tree. I water it a couple of times a week. I mean, I've really paid attention to this tree." And he goes, "you have been watering it twice a week. Why would you do that? And I say, "because I care about the tree, and I want it to grow." And he says, "have you noticed where these roots are? They're all on the surface because roots go to where the water is. Your constant and shallow watering has drawn the roots up to the surface. This tree might've grown, but it's not well established. I asked you to dig a well and water it so that that water would slowly drip down deeper, and the roots would follow it. You've kind of done a disservice by putting so much on the surface that these roots haven't gone deeper." This is the same concept that we've been talking about in our lives and activities; they've gotten narrower. Some of our normal activities have kept us spread out from each other. Things that used to take a lot of our time, attention, and went in multiple directions have really been edited down. Let's talk about that surface kind-of-rootedness that keeps us busy and active - not that those things in and of themselves are bad, but they're pretty surface-y. They go in a lot of different directions. I wanna know...have we missed something in being so extended on the surface but maybe not drawn as deep in terms of our system? Renee, what do you think about that? Renee: Well, it makes me think about this last year that we've had. It was unprecedented. A tornado came through in our area in Arizona, and we had a tree that was completely taken out by the winds and storm. When we woke up the next day, it was such an astonishing picture of a tree being pulled out from the ground that I couldn't orient myself to understand what had happened. But obviously, the tree didn't have deep enough roots for it to withstand the storm. I think that anytime we come into our own storm, we realize that our roots are not as deep as we thought they were. There's a verse that we were looking at in John 15:1. Jesus is making this statement. He said, "I am the true vine, and my Father is the vinedresser. He cuts off every branch in me that bears no fruit. But while every branch that does bear fruit, he prunes so that it will be even more fruitful. I am the true vine, and my Father is the vinedresser." I think that that identification of Jesus claiming to be the real vine, not the fake vine, not the wannabe vine, not the looks like a vine, but the real source of the vine, is something that has life in it. It can impart that life into what's attached to it. And Jesus said, I'm that true vine, and my Father is the vinedresser. The other word that's used there says that my Father is the husbandmen. Meaning, my Father is the husband of the vine. He cares for it, tends to it, and loves it in a way that's about developing its potential. It's interesting that out of that love, he cuts off every branch that bears no fruit. While every branch that does bear fruit, he prunes. Which is also cutting. You ask yourself, "well, if you're a branch that bears fruit, shouldn't you get a trophy? Or a sticker or a high five? A branch that bears fruit still gets cut back. Where do you put that in your life and experience, Renee? Renee: Well, I think that's an interesting part. The word in there that's interesting to me is "cares." That the branches he cares for he prunes and vice versa. So He is actually caring for us. When something is pruned, we mostly think about the bareness of it: what is being taken away? I feel like right now, I'm very aware of what is being taken away from me. But what this is talking about is the care of the husbandman. Right? That's care. That's cultivation. It's awareness of the directions we might go in with our branches. Like what you were saying, Don, that the roots go out too wide, that we don't get to actually enjoy the true vine. And if we're not enjoying the thing that God has given us to be true, that is of goodness, then we've gotten too far out in the wrong way. But if He's trimming, I think I'm mostly worried about what he's going to take away or what I won't get to do. We are used to a limitless place. A place where we think that we can do all things, be all things, be all people to all places. We're also told that we can do all things and that it doesn't cost us personally. It's kind of interesting too because I think about the experience of being pruned. Maybe you're not being cut off, but you're certainly being cut back. I think about all the summers we've spent in Santa Barbara and going over the Hill to see wine country. The fruit is hanging, and the crush is coming up, and so those grapes in the vineyard look glorious. Just those grapes make the whole presentation. It's majestic, inspiring, and beautiful. And I remember one year, we were at a Young Life event, it was wintertime. We drove back to the wine country to see those beautiful, fruitful vines were carved back to just a dead looking post. There was no fruitful summer presentation. Instead, the grounds, in all it's beauty and inspiration was gone and it looked so restricted. It looked as though maybe everything had died. I remember that we stopped and talked to some folks that were tending to the vines. It made me think that the vinedresser, out of a sense of real love, commitment, and cultivation, had come back to his vines. What we know about pruning is that when you prune back branches, you actually stimulate the capacity for a plant or a vine to be more productive and more fruitful. When it's going out in all directions, some of those branches are unproductive. It dissipates and loses its ability to bear the fruit, the best fruit. Why is that? Because it's so spread out and over-producing buds, which makes the quality of the fruit dissipate. When you cut some off, it's being cultivated, and the growth is being directed. It also lets airing, blocks any infestations or disease and also shapes it into a structure that can be most healthy and fruitful. So the Vine Dresser can bring all these benefits in the long run, but the pruning process is still cutting back. Renee: so what happens if the wild vine just goes wild and you don't ever trim back? If there's no pruning or cultivation, it goes everywhere. It's entangled. Don: if you leave a vine undressed, it will grow over and on top of itself. It will send shoots everywhere. The shape of the vine and its ability to receive sunlight on the fruit will be diminished. It also opens up for other infestations of animals and insects that can get in underneath and do damage. The overall fruitfulness of a wild vine will continue to diminish. It will mostly be leaves and thickets with very little fruit if it's not cultivated. So there's a real art in dressing a vine. There's real meaning. There's real purpose in that pruning that's about the fruitfulness of the vine itself. I remember our first year being married and going to a winery. We were talking to one of the tour guides, and they had planted some recent vineyards that were going to be their estate wines. They had a general watering system for their general harvest grapes, but they had individual watering bubblers on each of these estate vines. I remember asking the tour guide about these bubblers, "is this to make sure that these estate grapes get lots of water? Or is that why they have an individual bubbler?" And he goes, "actually the vinedresser knows exactly how to keep these vines appropriately distressed." I remember it stuck in my brain because the Vine Dresser knows how to keep the vines appropriately distressed. He says, "these vines are thirsty. They don't have a ton of water to absorb, so there's a higher sugar content making these grapes sweeter. You get the sweetest fruit from the thirstiest vines. You and I were in a really thirsty place the first year of marriage, sorting through a whole bunch of things. I was a thirsty vine. You were thirsty vine. And it struck me: God must be producing something sweet because he's keeping us appropriately thirsty. It was just a little deposit. It was just a little grace. We were there to sample and to have a date, but I think there's truth in there. I don't think it's a mistake that God identifies himself as the True Vine and His Father as the Vine Dresser. He is inviting us to abide in the vine so that our lives would have this full fruit - that we would have a life in us and a life that goes beyond us. Renee: when you think about the Husbandmen, the Vine Dresser, He is the one who cultivates the true vine. He brings us back to the True Vine. In our life, I think about how many times that I didn't enjoy being pruned, but it was actually the grace of God that brought us back to what's central and necessary.  Who do we trust? Who do we believe? What can we rely on? What can we do? We're not God. We're not in charge.  I think during the pruning process, a lot of foundational things get relayed inside of us. When we come back to the True Vine, to the central place of being appropriately distressed and thirsty, we find out what's really true in our life. Right? Don: I broke a little bit that the day at the vineyard because I was asking myself, why am I thirsty? What is being pruned? I realized I'm being pruned because God was not present in any attentive way in me. I believed that God did not care for me, or I was not valuable. The weight and belief that I was thirsty and being pruned because of some defect in me or some disinterest in God weighed very heavy on me.  The Vine Dresser is intentionally pruning us all the way back to just the core for some future. I think he's keeping us thirsty because he's creating something sweet in us. It's only a little handle to hold on to.  Renee: I love the idea that the vinedresser is the one who's shaping us, and it's not us. It's not us accomplishing or striving to become more, but it's the vinedresser in us returning to the True Vine. He's the one who's shaping what is necessary for our life and bringing us back. So as we finish this, we have a couple of questions that we would love for you to talk about.  What is God pruning in your life? Are you aware of what he is trimming? It'd be a good question to ask yourself and have a conversation with each other in.  And then the second question is, what messages do you have about your thirst? What messages do you have about God caring for you right now?  We all carry messages inside of us about our thirst and being pruned. Do you know what those messages are that you're carrying?  We'd love for you to ask those two questions and have a good conversation on that. Be aware that we have the True Vine available to us. We have a Vine Dresser who is caring for us, cultivating, looking at, shaping us into a place where the most fruit will come, where we have the sweetest fruit in this season.  Thank you for joining us. We love that we get to be with you! See you next time.

This is a special podcast we are dedicating to domestic violence. I have the complete honor to interview one of my favorite people on this planet- Comfort Dondo. Comfort is the founder and executive director of the organization; Phumalani which is located here in MN. I encourage you to take a moment, and give yourself the gift of listening to Comforts wisdom. I am always learning from her and I know you will too.

Night Owl. 7.6K likes. An intimate, unvarnished late-night performance series from NPR in the unexpected corners of American cities. Get to know Malian singer and guitarist Fatoumata Diawara before she begins a U.S. tour: Watch her perform "Don Do" from Albertine Books in French and English at the Cultural Services | French Embassy in the US. Yasmin Williams only started playing the guitar after beating all the songs on expert-level on Guitar Hero II. Nine years later, she was a standout of the 2018 Tiny Desk Contest fueled by Lagunitas Brewing Co. Watch her performance from Corcoran School of the Arts and Design at the George Washington University l  Thank you. "Host" Freddie C. Howard 

Welcome to the very first edition of the Bachelorcast brought to you by Julie's Chin! Barrett and Dondo go over the first edition of the Bachelorcast. In this episode we preview the 15th season of The Bachelorrette where Hannah Brown will be meeting 30 men in hopes that one might just be her husband. Tune into this episode to learn more about Hannah, her journey to being the bachelorette, and the guys she's going to meet! Subscribe to the Youtube channel or on Apple, Spotify and other podcast players if you haven't yet! Support this podcast

Public Protector Busisiwe Mkhwebane says Finance Minister Tito Mboweni was incorrect in defending Treasury DG Dondo Mogajane, by saying that he merely failed to disclose a traffic fine when applying for the DG post. Mboweni was speaking at a media briefing ahead of his 2019 budget speech. He said his department supported Mogajane and that he would take Mkhwebane's report on judicial review. However the Public Protector said in a statement that Mogajane was convicted in a court of law and had failed to disclose this in his application. We speak to the Public Protector spokesperson Oupa Segalwe.

"Dondo!" --G Spider-Man:  Into The Spider-Verse manages to have something that very few big screen adaptations of the wall-crawler have had:  heart. I think that this is the only thing that the cross-dimensional versions of George and Kevin can agree upon.  Come with us now on a journey through the Multi-Verse as we encounter the single versions of George and Kevin, the NPR-ized incarnations and the one, true version:  The Busy Dads. We're all in for a wild ride. We take a “fly on the wall” approach to our listeners.  As such, some of what we discuss falls into the realm of SPOILERS.  Consider yourself warned. If you enjoyed BUSY DADS DO SCI-FI, please take the time to rate and review us on iTunes, Stitcher, Tune In, Spotify, Google Play or wherever you may find your podcasts.  You can follow us on Instagram at busydadsdoscifi or e-mail us at busydadsdoscifi@gmail.com Theme song by Tony Fernandez

The burgeoning relationship between China and Africa has been one of the great economic stories of the 21st century. Billions of dollars of investment and loans from China have created radical change in many African countries. But not everyone is happy, with some even claiming this is a new form of colonialism. As signs of discontent grow in countries like Zambia, and investment numbers start to slip down, we ask: is the China-Africa love affair over? Contributors include: Dr Lauren Johnston – Research Fellow, University of Melbourne Professor Lina Benabdallah – Assistant Professor of Politics & International Affairs, Wake Forest University Laura Miti – Executive Director, Alliance for Community Action Professor Stephen Chan – Professor of World Politics, School of Oriental and African Studies (University of London) Presenter: Linda Yueh Producer: Beth Sagar-Fenton (A Chinese railway worker drills holes on the newly put railway tracks in Dondo, outside Luanda, Angola. Photo credit: Per-Anders Pettersson/Getty Images )

Cadet Marshall Stagg is once again offered relationship advice by his friends Dondo and Dirk, despite his insistence that everything is going fine with his clingy girlfriend Maria.  Marshall eventually decides though that perhaps spending a little time apart from Maria could help out, and decides to go check out the Aleria’s gym.  There he […] The post Ep 10: The Workout appeared first on Starship Aleria.

Hello - 00:00 Around the world and into your home. The gay headlines that touch your life. With Jared Lenover, Chris Farias, and Hugh Downs. (Not really with Hugh Downs.) • Lesbian couple paints house in rainbow colours to troll anti-gay neighbours who harassed them • Maybe Young People Should Just Live at the Office -- Literally • U.S. official: Canadian marijuana users, workers and investors risk lifetime border ban T • time - 19:20 The T stands for truth. These hostesses are both open books. Jared is full of words. Chris is more pictures you can colour.  Questions from you. Answers from them. While they eat cake. Thank you to Cake & Loaf! How do you guys deal with impending stress? (Don) Do either of you have tattoos? If so, what is the significance, if any at all. If not, what kind of tattoo could you see yourself getting? (Steph B.) Do you guys ever feel like you order take out too often? What entices you about take out? (Amanda) Dear Jesus - 30:10 Religion. Jared is a born again Baptist and Chris leaves the “T” out of Christmas, making it more personalized to him. “notallcatholics is just as helpful as #notallmen Spend the time and energy fixing things instead of defending yourself. "I'm a Catholic and I'm appalled by what continues to happen within my Church. I vow to ______ to make sure this stops happening." Something like that is much more helpful and productive.” BONKERS - 36:15 Tools for keeping your mental health in check. Today's Tool: Scheduling your medication Gateway Gay - 43:40 If you're straight and narrow, this fab duo will help you navigate the rainbow-coloured waters, and get you safely across the yellow brick road.  Today's topic: Gender Reveal Parties Taste Test - 51:00 Where we tell you about something we like (and why) and you tell us whether you think we’re connoisseurs… or just out to lunch. Star Wars vs. Star Trek

Dondo runs across Ron who is on the upmost of important missions… to get ice cream!  The two finally come clean about ditching their old ways of womanizing with as many chicks as possible, and have seemed to settle down with just one special lady.  The two agree that going steady could be more advantageous […] The post Ep 8: Safety First appeared first on Starship Aleria.

We're back for a fifth time to uncover the mysteries of the never-ending universe containing all of the answers we'll most likely never get before we perish. Also, Joe watched Power Rangers. So good for him I guess. Way Too Much American Idol- 11:00 Joe's Movie Marathon- 19:20 Jake Paul Poster- 56:00 March Madness- 1:02:20 This is Us- 1:16:00 Be sure to subscribe to the channel or on Apple Podcasts and follow our various social media accounts! Twitter: https://www.twitter.com/EA_Garbage Instagram: https://www.instagram.com/earlyaccess... Patreon: https://www.patreon.com/user?u=9747213 I mean for real though how in the world does Dondo have a tooth below his eye? There's no way this can be real, right? Is Dondo even remotely a truthful person. I can't tell. Some days he scares me. Because sometimes, the way he looks at me, I think, man of my dreams, father of my child, this man of mine may kill me.

Cadet Pilot Meisha is struggling to balance her personal life on board the Aleria with her training duties.  While she greatly desires to prove herself as a talented pilot, her romantic affairs with crewmate Dondo has caused her performance to slip.  Meanwhile Dondo and Ron are concerned over their best friend Marshall’s involvement with his […] The post Ep 6: Multitasking appeared first on Starship Aleria.

Cadets Stella and Meisha meet up in the cafeteria to talk about how their first week on board the Aleria is going.  While Stella is being worked non-stop, Meisha is yearning for when she can actually do her job as a shuttle pilot instead of being stuck practicing.  The ladies are interrupted by Dondo, who […] The post Ep 5: The Shortcut appeared first on Starship Aleria.

It’s time for the official welcoming party for all new cadets on the Aleria!  Newcomers to the ship Marshall, Dondo, and Dirk meet up and check out their fellow crew mates during the ceremony.  Marshall decides to leave the party early, but gets quite the welcoming surprise from one of the female officers who insists […] The post Ep 3: Welcoming Party appeared first on Starship Aleria.

Hannah is back from her hols and she's brought her pal Scola Dondo with her to FUBAR Radio. All the usual games are back this week. Tune in for the return of Position Impossible, Songs About Sex and -of course- Drunk Advice Live!

This week I sit down with Scola Dondo - can you believe Scola is a: YouTuber, Personal Trainer, BBC Presenter and Social Media Manager, all at the age of 20! I also catch up with Chloe, talking dating, University and life! A special thank you to KEAL for our B O M B theme tune, you can find him here @keal_music And Adam Totney for our Artwork! --- Send in a voice message: https://anchor.fm/coffee-with-dani/message

Kelly Coughlin interviews Donald Moore about generating more revenues from trust and wealth management clients and managing risk in that business line. Moore is a former OCC examiner.   Donald Moore Jr., CEO of Bearmoor, LLC has over 20 years of experience in the asset management and fiduciary industry. He has served in senior fiduciary positions with various US Treasury agencies, as well as a leading financial services consulting firm. He began his career as a Trust Examiner with Office of the Comptroller of the Currency. He has examined over 50 trust divisions, including the lead position at two of the nation’s largest trust institutions. He has assisted in the development of national policy and guidelines at both the Comptroller’s Office and the Office of Thrift Supervision. Kelly Coughlin is CEO of BankBosun, a management consulting firm helping bank C-Level Officers navigate risk and discover reward. He is the host of the syndicated audio podcast, BankBosun.com. Kelly brings over 25 years of experience with companies like PWC, Lloyds Bank, and Merrill Lynch. On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C-Suite officers, risk management, technology, and investment ideas and solutions to help them navigate risks and discover rewards. And now your host, Kelly Coughlin. Kelly: I’ve got Don Moore CEO of Bearmoor LLC. Don, how are you doing? Don: I’m doing well, thank you Kelly, I appreciate the opportunity to chat with you today. Kelly: Don, you’re in Boulder? Don: I’m not quite in the Republic of Boulder, I’m a little bit closer to the Breckenridge area up in the hills of Colorado. Kelly: You’re happy because the Broncos just won the Super Bowl, I take it. Don: I’m slightly indifferent to the Broncos winning, although they had their ginormous parade yesterday down in Denver. Everyone’s excited that Peyton got his Super Bowl, but again, I think it was the defense that won it for him. Yeah, we’re happy here in the state. No one’s going off the edge yet. Kelly: Let’s get right into it. Tell me what Bearmoor does. What’s your value proposition? Don: Basically, it’s the optimization of risk-adjusted revenue from an organization’s existing fiduciary activities portfolio. It’s basically their personal trusts, their investment management accounts, their retirement accounts, foundation endowments and custody. All those off-balance-sheet activities within the fiduciary world. Again, the optimization of their risk-adjusted revenue from their existing portfolio. Kelly: First of all, it’s banks that are in the wealth management business. They have trusts, they have wealth management capabilities, correct? Don: Correct, a lot of organizations that are clients, their definition of wealth management differs, but it does include trusts, insurance, and private banking. Kelly: You help those kind of banks do what? Don: Optimize top-line revenue. What we mean by that is, I like to use a quote from Bono, the lead singer for U2, he was up at his concert and doing one of his social announcements where he was clapping his hands and he said, “Do you know, every time I clap my hands, a child in Africa dies?” And someone screamed out, “Stop clapping your hands.” We don’t focus in on expense because for the past 10 years in the industry, the industry’s been focused on nothing but expenses. The expenses have outpaced revenue growth 6 out of the last 10 years. Their focus on expenses I don’t think, has been all that fantastic. We like to say, “Well you’re already focused on expense reduction, we want to help you grow top-line revenues.” Our value proposition leads to an increase to revenue top-line. Kelly: Before we get into how you do that, let’s talk about some personal background. Don: All right, I’ll start out with education. I went to school, got a degree in finance and accounting, after I graduated from that I went to work for the United States Treasury Department as an examiner with the Office of the Comptroller. The currency, the OCC, I found an opportunity to begin examining in the fiduciary world and I became a fiduciary examiner. Through that, I went to Washington, DC. For those of you in the fiduciary world that have an understanding of Regulation 9, when I was in Washington, DC I helped draft and write that regulation that now national banks follow. For most states, it’s been adopted verbatim on that. I left there, and went over to another Treasury Department, the Office of Trust Supervision, which has now been rolled into the OCC and wrote their fiduciary training program and some of their examination procedures over there in a fellowship capacity of 18 months before leaving and going to the consulting world, and focused on consulting in the fiduciary world, and that brings us to where we are right now. I am married to my wife Toni, we live out here in Colorado, we have four children. Hobbies; I would say right now we’re doing lots of skiing, got some good snow out here in Colorado, so that’s one of my hobbies. Do a lot of running, outdoor activities is me. That’s who I am, I’m 52 years old and I feel it every day. Kelly: Don and I have known each other for probably 15 years, and we made a good connection when we found out you grew up in Minnesota, correct? St. Louis Park? Don: Yeah, sure, you betcha. Kelly: Let’s talk about the business. How do you help these banks make money? How do you help a wealth management bank make some money? I want to come up with let’s say five take-aways on how our listeners can make money through what company like yours offer. Don: Let’s start out with, the opportunities for increasing top-line revenue within your fiduciary activities exist. They are out there. I like to use the phrase, “You’re standing on a whale, fishing for minnows,” because there’s already opportunities to increase your top-line revenue within our organization. What we mean by that is we go through and do an analysis account by account basis and identify opportunities in three phases: one, gap analysis which is, “Hey, where are you missing it?” From the standpoint of what you think you’re getting. You may have some system errors, system inaccuracies that can help you identify opportunities, that’s one phase. Second one is competitive analysis. Where is it that you would like to beat your competition, and where is it that you actually are? We ask you what your business’s strategic plans are, we go out and do mystery shopping and competitive shopping for the organization to make sure that they understand where they are and where their competition is, and where they can go with their current level of pricing. The third analysis is a regulatory analysis. What’s changed in regulation that allows you to either understand the regulation and generate additional revenue, or do we have some risk there? Again, gap analysis, competitive analysis, regulatory analysis to help you identify those opportunities, because they do exist. I would say that’s the first area. Kelly: You exposed that just recently, gap analysis. You’re looking at pricing, and how competitive they might be in pricing in addition to more of a qualitative, these are the type of services they would offer? Don: Along the lines of both, Kelly, with regards to the types of services we want to break it down so we understand the types of services they offer. Then the pricing that they have on each of those services. When we talk about pricing, we all know that there are committees, and then there are boards, and we’re talking about the board-approved pricing for these services. Kelly: This is for wealth management services. These are the basis points. This is how much we charge for a $5,000,000 fiduciary trust account, correct? Don: Correct. Absolutely. Those are established by, I would say, the business line which then goes to the committee and the boards approve. These are the pricing and it would include not just basis points, but it would include minimum account fees, it would include fees for ancillary services such as real estate administration, closely held business administration. Maybe there’s a tax prep fee or a tax information letter fee. Maybe there’s a stand-alone fee for extraordinary type services. All the fees charged for the services provided within wealth management on the fee schedule. We then go through and see what accounts are actually on that schedule, and what accounts are not, what accounts have customization, what accounts have discounts. It doesn’t make sense for the level of service being provided. What’s critical with that, from a Bearmoor perspective, is what I would say would be the second take-away, which would be a risk understanding of your accounts. If you haven’t done a risk assessment on an account by account basis, it would be highly recommended that you do so. This would allow you to identify the level of risk for each account and type of account using system information. This isn’t something that’s subjective, it’s based upon system criteria that you’ve established and put risk weightings on it. Let’s say you have an account that is an irrevocable trust account with two co-trustees, five beneficiaries, some unique assets in there, and maybe it’s over $2,500,000. You would assign various risk criteria to each one of those factors. Maybe that has a higher risk than a revocable trust. Kelly: You’re not talking about portfolio risk, you’re talking about risk of an unhappy client (other than portfolio volatility). Don: Correct. What we’re seeing is a fair amount of, I hate to go back to the regulatory side, but a fair amount of regulators are saying, “Hey, we can risk rate loan accounts on the banking side, why can’t we individually risk rate these off-balance-sheet trust accounts from an administration standpoint, from a level of risk?” and then get some understanding about what may be some levels of capital might be for this entire portfolio. It’s not investment portfolio risk management, for lack of a better term it’s complexity rating the account. Kelly: Give us three things that you like to look at, that might go into the calculus of that. Don: I would say type of account. Kelly: The fiduciary, non-fiduciary. Don: Correct, you would have the fiduciary accounts would be those revvocable and irrevocable trusts, investment management accounts, foundation endowments, IRAs. Then the non-fiduciary lower risk would be a custody account, where you don’t have any investment management responsibilities. Another item would be the type of assets in there, so maybe less risk would be a mutual fund portfolio, that’s made up of a bunch of mutual funds to meet the account’s objective. A higher risk would be, “Hey, it’s a stand-alone investment in a large piece of commercial real estate.” High risk on that. The third thing would be type and/or number of beneficiaries. The larger the beneficiary pool, the more risk you may have because you have different competing objectives. Some of those might be income beneficiaries, others might be remainder beneficiaries, or growth beneficiaries. Kelly: The high-risk account would be one in which there’s a fiduciary relationship to your holding assets that are perhaps individual securities and not mutual funds and the third? Don: Number of beneficiaries. Kelly: Number of beneficiaries. Is that because the more people you have in the equation, the more likely it is you’re going to have somebody complaining about it? Don: More likely there’s going to be a complaint there, but more likely that there’s going to be conflicts of interest. What I mean by that conflicts of interest is those beneficiaries may all have different needs and you as the fiduciary that’s managing that account, have to take all those into consideration and make sure you treat them equitably and fairly based upon the information you have. Kelly: Tell us how you help the bank make more money. Don: From that account by account analysis on the gap analysis and identifying opportunities within their portfolio. Not just from a best practices from what we’ve seen over the past 15 years of doing this, but also what’s taking place within their lines of business and their strategy. Overlaying that on that analysis and saying, “Hey, here is the opportunity, and here’s how that opportunity impacts each account.” Kelly: This is for your part one you look at the market, you look at competitors, and you say, “Oh, your competition’s charging 200 basis points, you’re only charging 150. You could charge 180,” for example. Don: Correct. If you still want to be the low-cost provider and the lowest-cost provider is charging that 200, and you’re at 150, you could go all the way up to that 200 and charge 190, 180. Right. Kelly: Right. Don: Do that complete analysis. Or your minimum fee is stated to be this, we’ve done in a cost analysis of your portfolio and you’re not even covering your costs with your minimum fee. You’ve got to adjust your minimum fee. Kelly: Don’t you think most banks know their competitor? Let’s say pricing, and their level of service, because they either get clients poached frequently, or infrequently, and if they find out why, then it’s well, his is cheaper, or better service, whatever it was. Don’t you think they know that? Don: That’s what we thought. That’s what we were counting on, but when we started doing the mystery shopping, because we asked our clients who are their competitors, who do they want us to mystery shop. Then we also provide them all the other information that we have. That, other than the actual opportunities, was one of the most highly prized pieces of information that we provided to our clients was, “Oh, look at all this competitor information.” My business partner and I looked at each other and said, “Wow, we didn’t realize how valuable this was. We thought you guys knew it, we’re showing it to you to let you know that we know it.” You would think they would know it, but a lot of times that isn’t the case based upon the information that we were able to gather and the reaction that we get from those. I think they have an understanding of it, but once they actually see the documentation and support for that that we’re able to gather, that brings it full circle. Kelly: I’m intrigued by, and I always have been intrigued by you being a former regulator with all due respect to your former profession, the dark side I suppose, or actually I think when you go into industry, they say you’ve gone to the dark side, I believe. However you look at it, how a former regulator can help on the revenue side is always been amusing to me. I know you do have a pretty good reputation out there, so kudos. You’ve been doing it quite a while, I believe. Don: Yeah, I appreciate those comments. Perhaps my capitalistic views weren’t always the right forum to be a regulator, so maybe I’ve always had to get back to this side. Maybe I was on the dark side and came back to the light. Kelly: Any more takeaways? Don: I would say re-acceptance, and what I mean by re-acceptance is, based upon the information that you have today on your existing accounts, the level of administration, the level of responsibility, the potential problems associated with the risk audit compliance items, the regulatory issues, and the revenue that you’re making on it, would you re-accept the accounts in your portfolio today? If the answer to that is no or maybe, you need to actually go through and do this risk assessment and the revenue opportunity assessment to make sure be able to answer that question yes or these are accounts we no longer need to be a part of. Kelly: It isn’t just no longer be part of, it may be no I wouldn’t accept it under these terms. These terms being pricing, but would you accept it at 50 basis points? No. Would you accept at 150? Yes. Isn’t that as much of a relevant question as acceptance or non-acceptance, it’s how should we price this thing? Don: Proper pricing is critical. We have top 10 risk piece that we do and one of the top 10 risks is appropriate pricing, so you’re absolutely right. “Hey, I wouldn’t re-accept it because of the assets.” That’s one thing. I wouldn’t re-accept this because of the price and the assets. Could we price it accordingly where you would accept it? Absolutely. That’s part of the analysis we do. Kelly: Why don’t you post on our website the top 10 risk pieces in a blog post? Don: Absolutely, I can do that. Kelly: That’d be nice to accompany this. That’s it for now, give us your favorite quote. Don: It’s Milton Friedman the great economist. “The question is, do corporate executives, provided that they stay within the law, have responsibilities in their business activities, other than to make as much money for their shareholders as possible?” My answer to that is, no they do not. Basically, everyone should stay focused on generating revenue for the shareholders for where they have their fiduciary duty. Kelly: What’s the stupidest thing you’ve said or done in your business career? Don: This is classic me, and this took a long time to live down. This was years ago. I basically said, I used another quote when I was giving a presentation because someone asked a question with regards to revenue enhancement and I said in front of this entire group, “Life’s tough, but it’s tougher if you’re stupid.” Yep. Kelly: Good one. Don: I was much younger. Kelly: Don, I enjoyed talking to you, thanks so much for your time. We want to thank you for listening to the syndicated audio program, BankBosun.com The audio content is produced by Kelly Coughlin, Chief Executive Officer of BankBosun, LLC; and syndicated by Seth Greene, Market Domination LLC, with the help of Kevin Boyle. Video content is produced by The Guildmaster Studio, Keenan Bobson Boyle. The voice introduction is me, Karim Kronfli. The program is hosted by Kelly Coughlin. If you like this program, please tell us. If you don’t, please tell us how we can improve it. Now, some disclaimers. Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant. Kelly provides bank owned life insurance portfolio and nonqualified benefit services to banks across the United States. The views expressed here are solely those of Kelly Coughlin and his guests in their private capacity and do not in any other way represent the views of any other agent, principal, employer, employee, vendor or supplier of Kelly Coughlin.